12825 Gary Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 12825 Gary Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,712 sqft · built 2015
Lot Size	2.03 acres (88,427 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Aug 2017)
Tax Bill	$3,423 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-3-06-2002-006`

Property Details

APN / Parcel Number

Primary APN	`13-09-3-06-2002-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,712 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	88,427 sqft (2.03 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12825 GARY RD
City	CHESANING
State	MI
Zip	48616-9431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NW CORN OF SEC TH E 849.34 FT TO POB TH E 200 FT TH S 442.50 FT TH W 200 FT TH N 03 DEG E 442.50 FT TO POB - 2.03
Legal Range	03E
Legal Township	09N
Legal Section	06
Jurisdiction	SAGINAW MI
Township / Civil Division	CHESANING
Census Block Group	1
Census Block	1004
Census Tract	12700

Owner

12825 Gary Rd is owned and occupied by an individual who acquired it in May 2018.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	12825 GARY RD, CHESANING, MI 48616-9431
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
Jun 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 1, 2017	Warranty Deed, Transfer HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2017 · Amount on File
Deed Sale	Aug 1, 2017 · Amount on File
Deed Document Number	201722186
Last Transfer Date	May 31, 2018
Transfer Doc	0000015934
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12825 GARY RD, CHESANING, MI 48616-9431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12825 GARY RD, CHESANING, MI 48616-9431

Mortgage

Document Number	0000022430
Date	Sep 8, 2020
Instrument	2020022430

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 5, 2018
Property Address	12825 GARY RD, CHESANING, MI 48616-9431
Document Number	0000015934
Instrument Date	May 31, 2018
Instrument	15934
Transaction Type	Transfer
Record Updated	Jun 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Lifetime Benefit
Address	12825 GARY RD CHESANING MI 486169431, CHESANING, MI 48616-9431

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 1, 2017
Property Address	12825 GARY RD, CHESANING, MI 48616-9431
Document Number	2017022186
Instrument Date	Jul 11, 2017
Instrument	2017022186
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7569 4 MILE RD, EVART, MI 49631-8755

Mortgage

Document Number	0000022187
Date	Aug 1, 2017
Instrument	2017022187

Lender

Name	HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	341 Months
Due	Jan 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 12825 Gary Rd was $3,423 with a homeowner's exemption.

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Chesaning Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$135,100	$270,200
2025	$3,423.00 Homeowner's exemption
2023		$99,900	$199,800
2022	$2,976.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12825 Gary Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 12825 Gary Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Spectrum, T-Mobile.

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